Husband says “NOW”

Believe it or not, we get calls from wives that are concerned about their husbands knowledge of Social Security laws. Because we are in 5 state newspapers, depending on the article, these calls are frequent. This might be because women are reading the articles we write more thoroughly and this causes them to question. Whatever the reason, we […]

Is Waiting until Age 70 our Best Option?

This is a typical family story we hear quite often – my wife and I have wonderful careers, we love our jobs, are in good health, and plan to both wait until age 70 to draw the maximum benefit on our Social Security. Good choice/bad choice? In most cases, not a good decision. Example: Joseph is 68 […]

Voluntary Suspension of Benefits

In our world of Social Security and the clients we meet, it is becoming more and more common for clients to proceed with a Voluntary Suspension of their Benefits. What does this mean and why would someone do this? The option to “voluntarily suspend” refers to a process that is only available after reaching Full Retirement Age and […]

Social Security and Student Loan Debt

A situation regarding student loan debt has come to our attention again, and thought we would share some insight to this problem. Students, at an alarming rate, are borrowing the maximum amount from the government to pay for their higher education. They are allowed to pay very low monthly fees for these loans over a […]

Is Your Financial Advisor or CPA Equipped to Answer Social Security Questions

The answer to that question is an easy one…..probably not. And in their defense, they have too many other areas of expertise they need to be concerned about to learn 2,738 new rules and regulations from the Social Security Administration. In fact, we have done many seminars for CPA firms and Financial Planners. As continued […]

The Do-Over

We get phone calls, probably every week, from readers that feel the made a mistake on their Social Security benefit or claiming decision. Why is this? Maybe they have a job opportunity that would put their earnings over the Earnings Limitations maximum, maybe they read something that triggered the thought process, maybe they attended a […]